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Future value of a monthly SIP investment.
A SIP (Systematic Investment Plan) calculator estimates the future value of investing a fixed amount every month, typically into a mutual fund. It assumes a steady expected rate of return and compounds each instalment for the time it stays invested.
SIPs are popular because they enforce disciplined, automatic investing and average out your purchase price across market ups and downs (rupee-cost averaging), removing the pressure of timing the market.
This is the future value of an annuity-due (each SIP is invested at the start of the month). Actual mutual-fund returns vary and are not guaranteed.
No. Mutual-fund returns depend on market performance. The calculator only shows what your corpus would be if the assumed rate held steady throughout.
It uses the annuity-due formula (the extra ×(1 + i) term), meaning each instalment is invested at the start of the month, which matches how most SIPs are debited.
It depends on the fund type. Historically, diversified equity funds have been modelled around 10–12% per year and debt funds lower, but past performance does not guarantee future results.
A SIP spreads investment across many months (averaging your entry price), while a lumpsum invests the entire amount at once. Use the Lumpsum calculator for a one-time investment.